Ndezvipi zvekutengesa mari iwe unogona kunyatsogadzirisa?
Vose vese vane njere, mibvunzo inonzwisisika. Vakawanda vevashandi vekumba vanoshamisira kuti vangakwanise kuwana mari yakawanda sei.
Iwe unogona kuverenga zvinonzwisisika kuti mari yakawanda yeimba yako uye bhajeti inogona kugadziriswa kana iwe unonzwisisa zvose zvataurwa zvinosanganiswa uye kuti zvinosvibisa sei simba rako rokutenga.
Front-End Endedzero Chikwereti
Kutanga, tarisa pamari yako yaunowana pamwedzi. Ndiyo mari yako inotangira mitero uye zvinhu zvakadai sekurega basa zvinopiwa. Izvi ndizvo zvakawanda zvaunoita pamwedzi, kwete kuti unoenda kumba sei. Shandisa nhamba iyi kuti uverenge zviyero zviviri.
Vatengesi vanoshandisa izvo zvinonzi inonzi front-end ratio, iyo inoratidzirwa sezana remari yako yakawandisa pamwedzi, kuti uone mari yakawanda yaunokodzera. Nhamba yepamberi yekuguma inoratidza kubhadhara iwe unogona kuwana kubva kune chikwereti chekuona, kunyange izvi zvisiri kureva kuti haungashushi kubhadhara kuripo.
Chikamu chekuguma kwechikwereti cheFHA chikamu chemakumi matatu nemakumi matatu kubva muna 2017. Kana iri chikwereti chakakosha, chiyamuro chekupedzisira chiri 28 muzana. Izvi zvinoreva kuti kana mari yako yepamwedzi yakagadzirwa ne $ 4,000, mukuru wako wemwedzi wepamusoro, nharaunda, mutero uye mutero weinishuwarenzi, unonzi PITI , haugone kudarika 31 muzana ye $ 4,000, kana $ 1,240.
Iyo inouya kune $ 1,120 PITI nokuda kwechikwereti chenguva dzose.
Kudzorera Kunokwereta Chikwereti
Chikamu chekupedzisira kumagumo chinoratidza chikwereti chako chitsva chekubhadhara mari pamwe nemari yako yose inoramba iripo. Izvo, zvakare, inoshandiswa pamutengo wako wegore nezuva. Chikamu chekupedzisira-kuguma chinogara chichikwirira kupfuura chikwata chekutanga. Chikamu chekupedzisira kumucheto chikamu che 43% kubva muna 2017 kune chikwereti cheFHA uye 36 muzana yekwereti inowanikwa.
Izvi zvinoreva kuti kana mutero wemotokari yako iri $ 300 uye iwe uchibhadhara $ 100 pamwedzi pakati pemakadhi maviri emakadhi, yako yekwereti yemwedzi yakazara inokwereta iri $ 400. Chikwereti chako chakanaka chaizova $ 1,640 kusanganisira kubhadhara chikwereti cheFHA che $ 1,240 PITI uye iyo $ 400 muzvakaitika zvekare. Nhamba yekupedzisira yekupedzisira inhamba ye $ 1,720, kana 43 muzana ye $ 4,000. Chikwereti chako chakanaka hachina kudarika $ 1,720 saka iwe unogona kukodzera.
Kana iri chikwereti chakawanda, kuwedzera $ 4,000 ne36 muzana kusvika pa $ 1,440. Chikwereti chako che $ 400 pamwe nebhadharo yako itsva yekubhadhara mari ye $ 1,120 nokuda kwekwereti yakatarwa inokwana $ 1,520. Izvo zvinopfuura chikamu chekupedzisira kwemadhora e $ 1,440, saka iwe ungasakwanisa kukodzera chikwereti chenguva dzose.
Kumba Kukosha Kwekuwanda Affordability
Iye zvino zvaunoziva kuti mari yakawanda yekubhadhara mari yako yaunokwanisa kuwanika, unogona kuona kuti iyo inobata sei nemutengo wekutengesa. Iwe uchanzwa nyanzvi dzinoti iwe unofanirwa kubhadhara chero ipi zvayo kubva kune mbiri kusvika katanhatu yako mubhadharo wegore negore, asi unyanzvi kutarisa chikwereti chekubhadhara iwe unogona kuwana mari yekubhadhara pamwedzi iwe waunogona kutenga.
Mari yako inotora chikwereti inotarisa zvakawanda pamitengo yemari. Nhamba dzechidhindo dzinochinja zuva nezuva, dzimwe nguva nguva. Iti iwe unoda kubhadhara $ 1 000 pamwedzi PI. Pa6 kubva muzana chikwereti pane makore makumi matatu nemakumi matatu ekugadzirisa mari, unogona kukwereta $ 170,000, unotambirwa pa $ 1,019 pamwedzi.
Pa7 kubva muzana inofarira, zvisinei, iwe unogona kukwereta $ 150,000, uchibhadhara pa $ 998 pamwedzi. Mumuenzaniso uyu, iwe unorasikirwa nemadhora makumi maviri emadhora ekubhadhara simba kana iyo inotumuka kubva pa6 kusvika ku7 muzana.
The Down Payment
Kubhadhara kuripo kunowedzera pane zvimwe zvinhu. Chokutanga, unonzwa sei wakasununguka kuisa pasi? Zvinowanzotaurwa kuti vatengi venguva yekutanga vatengesi vemunzvimbo vanochengetedza hupenyu hwakanaka uye havasi kurega imwechete yezana ivo vane mubhadharo pasi pamusha.
Kana iwe uchikwanisa kuwana 100-percent yemari yekubhadhara, yako pasi kubhadhara ichava zero. VA zvikwereti zviripo kune veterans pasina-pesa-pasi. Mamwe mapurogiramu ekutenga kumusha yekutanga anotambira chikwereti nemari shoma yechipo pasi purogiramu dzokubhadhara , vachipa kuti vanogona kusangana nemamwe mitero yemari. Iwe haungakodzeri kana iwe uchiwana mari yakawanda.
Minimum FHA mubhadharo inokwana 3.5 muzana yemutengo wekutengesa kubva muna 2017.
Mutengo wako wekutengesa waizova $ 155,440 uye kubhadhara kwako pasi kwaizova $ 5,440 kana ukwereta $ 150,000. Mamwe mapurogiramu ekutenga kumusha ekutanga anobatsira nekubhadhara pasi apo pavanoshandiswa pamwe chete neFHA.
Chero chikwereti chinopfuura 80 muzana chemutengo wekutengesa chichada PMI kana yega private mortgage inshuwarisi, uye izvi zvichawedzera mari yako yekubhadhara mari pamwedzi. Zviratidzo zvekubhadhara pasi zvinokwana 5 muzana, 10 kubva muzana kana 15 muzana yemutengo wekutengesa. Kana ukaronga kuisa pasi 5 muzana uye kukwereta $ 150,000, mutengo wako wekutengesa waizova $ 157,900 uye yako yekubhadhara pasi ichava $ 7 900.
Zvadaro kune yekuvhara mari. Vatengesi dzimwe nguva vanobhadhara zvimwe kana mari yose yekuvhara kwevatengi , asi unogona kuona kuti vachawedzera kusvika 2 kusvika ku3 muzana yemutengo wekutengesa. Pamutengo wekutengesa we $ 150,000, mari yako yokuvhara inogona kutambira madhora 4 500 pamutengo wekutengesa we $ 150,000, iyo yakawedzerwa uye pamusoro pekubhadhara kwako pasi.
Your Payment Comfort Level
Iwe usati wapinda muimba yeimba yako, wadii kuisa pane imwe chikamu chemari yaunenge uchizobhadhara kutenga chikwereti mwedzi woga woga kuti uone kuti unoita sei? Somuenzaniso, kana renji yako iri $ 800 uye unoronga kuribhadharira $ 1,200 nokuda kwebhadharo yePITI, sarudza $ 400 pamwedzi kwemwedzi mitatu kusvika kumatanhatu. Mune mamwe mazwi, fungidzira kuti uri kuita mari yekubhadhara mari. Kana $ 1,200 pamwedzi isingakunani kuti uwane mari, unogona kuwana mari yakawanda yekubhadhara chikwereti.
Kana iwe uchinzwa wakasununguka kukwereta zvishoma kudarika chikwereti chakaratidzwa chikwereti chako chinyorwa chekutanga , zvino ita saizvozvo. Usaita chikanganiso chekutora chikwereti chingave chiri kurwisana newe kuti uchengetedze. Ita zvinonzwa zvakanaka.
Imba yekurota inogona kumira. Iwe pamwe haufaniri kutenga imba inodhura zvikuru yaunokwanisa kutenga. Funga nezveimba inotanga kutangira seimba yako yekutanga. Shanda kutanga pakuvaka kuenzana nekudzivirira iwe nemhuri yako. Chii chinonzi buomerang mutengi ?